Contact Motorseeker New & Used Cars Chesterfield

Motorseeker Used Cars Chesterfield

Motorseeker sell new and used cars in Chesterfield, Derbyshire
468 Sheffield Road Chesterfield, Derbyshire
Phone: 01246 269013

Finance

The FSA aims to maintain efficient, orderly and clean financial markets helps retail consumers achieve a fair deal. We at motorseeker are a authorised representative of the FSA giving the customer total buying confidence and piece of mind.We at motorseeker are proud to be members. 

You have a choice between Personal Contract Purchase,Lease Purchase, and Hire Purchase. 

Hire Purchase Agreements 
Payments are made evenly over the period of the agreement for a maximum term of 72 months. 

Lease Purchase 

Equal Payments are made over the period of the agreement together with an agreed final payment. The effect is a low monthly finance payment without mileage restrictions. 

Personal Contract Purchase 

Equal payments are made over the period of the agreement together with a final payment (equal to the estimated future of the car) being made at the end. Provided that the agreed mileage has not been exceeded the vehicle can be returned to the finance company instead of making the final payment. The effect is a lower monthly finance payment. In all cases the car remains the property of the funder until the final payment is made by you. 

Contract Hire 

An agreement where a rental is paid in return for the vehicle over one, two, three or four years. Contract Hire is ideal if your business prefers to reduce the financial risk by hiring rather than owning and it relieves you of the administration in selling the car or worrying about its value in the future. 

If you are a VAT registered business, a proportion of the rentals may be tax deductible. Contract Hire is also classified as an operating lease for taxation purposes, and is therefore regarded differently to "purchase" contracts so that your business may benefit from certain other tax advantages. 

Contract Hire payments are specific to the vehicle you choose and are calculated on your annual mileage. A deposit payment is compulsory. The deposit payment is an amount equal to 3 monthly payments. 

We offer both non-maintenance and full maintenance Contract Hire. A full maintenance contract means the finance provider is responsible for maintaining and servicing the vehicle and includes all costs due to fair wear and tear. We would recommend a full maintenance contract if you cover more than 20,000 miles per annum. So if your business requires totally hassle free motoring, please ask our sales staff for a quote including full maintenance. 

Credit consumer Act 

This Act covers the finance agreement and lays down certain requirements for your protection that must be satisfied when the agreement is made. If they are not, the funder cannot enforce the agreement against you without a court order. The Act also gives you a number of rights including the right to settle the agreement at any time by giving notice in writing and paying off all amounts payable under the agreement, reduced by a rebate. 

What happens if I lose my job. 

We have a range of insurances available to protect you covering areas such as Life, Accident, Sickness & Unemployment and also insurance write off (GAP) protection – visit the Employee Protection section of this site for further details. 

How do I apply for finance? 

Simply complete the Finance Proposal form on our website and email it together with your Vehicle requirements. If you have any other questions about finance please click the contact us button or feel free to give us a call on 0845 3313482 or email sales@motorseeker.com
 

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